I don't understand how someone might think that God did all of that, gave us our inheritance, lives within us because He now can (wants to), but then He says.."but you have to _________ or else, forget about it" That is a human approach, something we might do to another as to reward our need or sense for power. But God has all of the power, so I'm not gonna try and take any away from Him. Not my God.
There is a different model.
God is teaching us to ride our bicycle. He will show us how He does it, give us
all the support and encouragement and tell us to give it a go.
I find it too self depricating not to see when Paul describes us as co-heirs with Christ,
friends and brothers, called to love each other as Christ loved us, to serve one another,
to sacrificially do things, this is very much seeing what the Lord is and following out
of will and effort.
Words like learn, strive, persever, test, a servant called to invest talents, a wise
person making the best of relationships, being worthy, exercising the gifts of the Spirit,
these are all choices we make, out of our will, in obedience to the Lord.
And in the end if you do not see this is Jesus, you do actually miss everything.
So there is an element of fear, and care, of knowledge and effort.
But then maybe as children you never had to do chores around the house, and
just expected mum to do everything...